



These Terms are a legally binding agreement between you ( “you”, “your” or the “Customer”) and APaylater Financials Pte Ltd doing business as Atome ( “we”, “us”, “our”, “Atome”) (collectively, the “Parties” and each a “Party”). You should print a copy of these Terms for your records. The headings contained in this document are for reference purposes only. By using the Platform and the Atome Services, you agree to be bound by these Terms and are deemed to have executed these Terms electronically. Please read these Terms of Service (“Terms”) carefully.
